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Param Rakshak Elite solution comprises of Tata AIA Smart Sampoorna Raksha Pro, A Unit-linked, Non-participating, Individual Life Insurance Plan (UIN: 110L172V01) and Tata AIA Vitality Protect Plus, A Non-linked, Non-participating, Individual Health Rider (UIN: 110A048V03)
Personalise your plan to address your distinct needs.
Enjoy systematic income from your investment
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The life cover under this policy offers a lump sum benefit to your loved ones in the case of any unfortunate event.
Apart from the total fund value as maturity* amount, you will also get back all the rider premiums paid by you at the end of the policy term.
Extra cover against accidental total and permanent disability in case of an accident. Double benefit4 in case the accident occurs in public transport or under other specified circumstances.
An additional sum assured, will be paid to your family in case of accidental death. Benefit will be doubled4 in case of death due to accident in public transport or other specified circumstances.
In case you are diagnosed with a terminal illness, you can receive 20% of your sum assured under your life insurance policy.
Earn rewards for following a healthy lifestyle through the Tata AIA Vitality Wellness# Program with the benefit of up to 10%$ upfront premium discount on rider premiums in the 1st year.
Eligibility of Param Rakshak Elite
Plan Parameters |
||
Minimum Age of Entry |
18 years |
|
Maximum Age of Entry |
65 years |
|
Maximum Maturity Age |
Base Cover – 100 years Term Booster – 100 years ADB and ATPD – 85 years |
|
Policy Term |
30 to 82 years, subject to maximum age at maturity |
|
Premium Paying Term |
5 to 67 years |
|
Minimum Premium2 |
Package Premium – 5 Lacs |
|
Premium Mode |
Annual, Half-yearly, Quarterly and Monthly |
|
Sum Assured |
Minimum |
Maximum |
Base (Life cover), including TTI rider – Basis min Premium |
Base (Life cover), including TTI rider - No Limit |
|
ADB and ATPD - Same as base |
ADB and ATPD – 5 Crores |
Age as on Last Birthday
Speak to our Expert
You can contact our financial advisor who will guide you to choose the right plan option to fulfil your life goals.
Select the Sum Assured
Choose a suitable sum assured amount under the policy as per your life insurance needs, starting from a minimum sum assured of 50 lakhs.
Choose the Policy Term, Premium Payment Term and Mode of Payment
Opt for a flexible premium paying term, policy term and premium payment mode so that you can easily pay affordable and reasonable premiums.
Our experts are happy to help you!
What does Param Rakshak Elite comprise of?
Param Rakshak Elite comprises of comprehensive life insurance coverage with market-linked returns@ boosted by in-built rider3 options with the Wellness Program under Tata AIA Vitality#.
How does the Wellness Program work?
The Wellness# Program is based on points that you can earn by completing online health assessments and by meeting daily and weekly physical activity goals. There are 4 different levels under the Wellness Program, and you can move from one level to the next, basis the points you have earned through your targets and your assessments.
How do I earn rewards through the Wellness Program?
With the Wellness# Program, you get an upfront discount of up to 10% on your life insurance rider premiums for the first policy year. Apart from that, you can also be rewarded for improving your Wellness Status by moving from one wellness level to another, as per the points earned from online health reviews and daily and weekly fitness targets.
What is the maturity benefit of Param Rakshak Elite?
The maturity benefit offered under this policy is the total fund value of your investment at 4% or 8%, as maturity* amount including loyalty additions and other refundable charges, along with the return of all the rider premiums paid towards the life insurance policy.
Disclaimers